What’s worse, being at the doctor’s office or preparing to be at the doctor’s office? When you set up a doctor appointment, what is the first thing you need to check before you set up an appointment..... your home or work schedule right? First, you have to coordinate your schedules and “fit” it in. Second, you need to block out enough time to get to the doctors office and return from the appointment and leave yourself enough room so you are not rushed- right? And then third, you finally go to the appointment right? Geez- that is a lot of fuss for a 10 minute doctor appointment!

Most of our Minnesota guests have a lingering concern about credit should they decide to file a Chapter 7 Bankruptcy. If you are thinking about filing a chapter 7 bankruptcy in Monticello, Minnesota, this is a concern you naturally have.

Wondering if I can explain to you what a Chapter 7 and Chapter 13 Bankruptcy is so that you can understand it in English? Of course, I can! After all, I am the managing partner at Kain & Scott, Eagan, Minnesota’s oldest bankruptcy law firm - since 1972. Let's start by taking a closer look at the basics of how a Chapter 7 and Chapter 13 bankruptcy actually work.

If you are filing for bankruptcy in Duluth, Minnesota, you may be overwhelmed trying to find a bankruptcy attorney to file your case. With so many bankruptcy attorneys, it is hard to know which bankruptcy attorney will be right for you. You want a bankruptcy attorney that is friendly, knowledgeable, helpful, and experienced – but how do you find an attorney who has the experience that you need to get your debt erased fast, who will also treat you with kindness and respect, without judging you for falling behind on your bills?

Are you a Duluth resident who is drowning in debt and wondering how to file bankruptcy in Minnesota?

Filing for bankruptcy in Minnesota can be complicated and time-consuming. Between the mountains of paperwork, hours of research, and countless phone calls, the process of filing for bankruptcy can be overwhelming. Without the knowledge necessary to file on their own, Minnesotans run the risk of having their bankruptcy thrown out due to errors. Some residents hire a bankruptcy attorney to help them and then are dismayed to have their phone calls ignored and their case at the bottom of a pile on the attorney’s desk, gathering dust while they struggle with their debt.

There are numerous online inquiries for what is a Chapter 7 Liquidation anyway? There are many misconceptions about bankruptcy and Chapter 7 Bankruptcy and what it is and what it does and does not do. So, how about we discuss a Chapter 7 Liquidation in terms that we can understand uh? Great, here we go!

So, you live in Monticello, Minnesota and you are contemplating getting your life back by filing Chapter 7 Bankruptcy, right? Wouldn’t you like to know the commonly asked bankruptcy questions and the answers to them before you file Chapter 7 Bankruptcy too? I would!

I know- you read this headline and go what? What do you mean don’t worry about my credit after filing bankruptcy? This is what prevents me from filing to begin with. I completely understand the concern our guests have with how will bankruptcy impact my credit life after bankruptcy. There are a lot of myths out there. This notion that you can’t get credit after bankruptcy is just that- a complete myth.

I bet you didn’t know there is a government sponsored debt consolidation plan in Eagan, Minnesota? Okay, actually, there is a government sponsored plan across the entire state of Minnesota! Why have most people not heard about this plan? Most people are familiar with debt consolidation companies out of state, many of whom are owned or linked to major credit card companies. But, did you know the government has its own debt consolidation plan for people like you and me?

Have you ever wondered how they build a bridge? Like, where do you even start? I am serious. Do you cut a tree down? Dig a hole? Get your tape measure out and measure something? What? It’s a good thing I am not building a bridge. But, I do know how to File Chapter 7 Bankruptcy in Eagan, Minnesota.

Duluth, Minnesota is a beautiful city. I have fond memories of taking my family to Duluth on many occasions. There is something very special about the city and I feel a little bit nostalgic every time we drive into the city and drive down the hill and toward the harbor. But enough about that. If you live in or near Duluth and your are experiencing overwhelming debt problems, you want it solved for good!

Have you ever wondered about which law firm is Minnesota oldest bankruptcy law firm? Ok, probably not! But, if you are looking to file Chapter 7 or Chapter 13 bankruptcy in Minnesota, age matters. Why? There is a reason why they call it the “practice” of law right? Will a law firm that started in 1995 have more experience or a law firm that started in 1972?

You already know you need to file bankruptcy, the question is which one. You have summoned the courage and anxiety to deal with the debt problem for good and move on with your life. At Kain & Scott, we are very proud of you! Most of our Duluth, Minnesota guests, once they get past this, wish they would have reached this point much earlier.

I am high anxiety. That is the way my brain is wired. I can’t help it and neither can anyone else with anxiety for that matter. Most of our MN Bankruptcy Attorneys guests who face overwhelming debt are stressed beyond belief and struggle to pay debt for a really long time. And then, one day, you sit and you think- what am I doing?

You have summoned the courage and the anxiety to face your debts. You are proud of yourself for facing your fear and challenging yourself to let go long enough to go through the bankruptcy process and get rid of your debt. And you did it! I can’t tell you how proud you should be of yourself for shedding your debt and moving on with your life.

Bankruptcy is a vital financial tool many that Minnesotans turn to each year for debt restructuring and debt elimination. However, it is not right for everyone’s situation. Because of the complexity surrounding bankruptcy law and the legal process involved, we advise anyone considering bankruptcy to look into the matter with an experienced MN Bankruptcy Lawyer. In the meantime, let’s take a closer look at some of the key things you must consider. It is important to understand that not all debts can be eliminated with bankruptcy. Also, not all individuals will qualify for Chapter 7 or liquidation bankruptcy. So let’s take a look at what bankruptcy can and can’t do in general terms.